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The listing below is provided as a service only and the firms listed have not been screened or approved by MoneySense magazine or Canadian Business Online.

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Alfred Feth
67-463 Beechwood Place, Waterloo, ON, N2T 2N8, tel: (519) 572-5510
email: akfeth@rogers.com
licensed to sell investment products: no
payment options:
• hourly fee: $150/hr
• by project: initial segmented plan ($600 to $1,200); comprehensive plan, including six financial planning modules ($1,800 to $3,150)
• annual reviews: $900 to $1,800 each
areas served: Kitchener-Waterloo, Toronto and London (all in Ont.)
minimum account size: none
planner credentials: FIC, CFP, R.F.P., EPC
areas of specialization:
• retirement, estate and tax planning

Assante Wealth Management
David Phipps
1600 Carling Avenue, Suite 550, Ottawa, ON, K1Z 1G3, (613) 729-3222 ext. 239
email: dphipps@assante.com
web: www.assante.com
licensed to sell investment products: yes
payment options:
• hourly fee: $195/hr
areas served: Ottawa and surrounding areas
minimum account size: none
planner credentials: CFP, TEP
areas of specialization: holistic financial planning for professionals and executives

Astrolabe Financial Group Inc.
Stevan Dostanic & Ryan Kerr
1775 Courtwood Crescent, Ottawa, ON, K2C 3J2, tel: (613)-221-6061
email: stevan.dostanic@astrolabefinancial.ca ryan.kerr@astrolabefinancial.ca
website: www.astrolabefinancial.com
licensed to sell investment products: no
payment options:
• hourly fee: $130/hr
•by project: flat fee for a one time comprehensive financial plan ($800.00 to $1,500.00)
• initial client assessment: free
•special pricing for seniors and ongoing promotions
areas served: Eastern Ontario
minimum account size: none

B L Garbens Associates Inc.
Barbara L. Garbens
39 Granlea Road, Toronto, ON, M2N 2Z6, tel: (416) 227-1543
email: barb@blgarbens.com
web: www.blgarbens.com
licensed to sell investment products: no
payment options:
• hourly fee: $195 to $250/hr
areas served: Toronto
minimum account size: none
planner credentials: MBA, CFP and R.F.P.
areas of specialization:
• retirement planning (detailed cash-flow projections as well as consultations)
• tax planning and tax return preparation
• estate planning

Brevity Management Group Inc.
Chad Tennant
3000 Steeles Ave. East, Suite 103, Markham, ON L3R 4T9, tel: (647) 977-9134
email: info@brevitygroup.com
web: www.diyinvestor.ca, www.brevitygroup.com
licensed to sell investment products: no
payment options:
• Hourly fee: $200/hr
• Plan: DIY Investor Plan™ $895 – $1995
• Retainer: $895 to $1595
areas served: Canada, all provinces
minimum account size: $150,000
planner credentials: B.Comm., DMS, PMP
areas of specialization:
- investment coaching for women and couples
- objective portfolio evaluation
- etf consulting/strategy
- insurance planning
- guest speaking at seminars, company and networking events

Cameron Leadership Development
M.A. Peggy Cameron
Box 36047, Ottawa, ON, K1Y 4V3, tel: (613) 729-2254
email: macameron@sympatico.ca
web: www.cameronleadership.ca/
licensed to sell investment products: no
payment options:
• hourly fee: $200/hr
• flat rate (available for some services)
areas served: Ottawa, Montreal; other cities via the Internet
minimum account size: none
planner credentials: CFP, R.F.P., MBA
areas of specialization:
• Canadian and US personal income tax
• big picture financial planning
• retirement planning

Caring for Clients
Rona Birenbaum
69 Yonge St., 2nd Floor Toronto, ON M5E 1K3 tel: (416) 363-8500 x135
email: rona@caringforclients.com
web: http://www.caringforclients.com/
twitter: @Caring4Clients
licensed to sell investments: Yes
licensed to sell insurance: Yes
cost of a financial Plan: $3,000 to $5000 depending on complexity
ongoing financial planning included in investment management fees
no minimum account size
education: B.A.S., CFP, CHFS
area served: GTA (house calls are available, some evening appointments available)
areas of specialization
• Comprehensive financial planning including tax, cash flow, investments, insurance, succession planning, retirement and estate planning, individual pension plans, family mediation, employee terminations
• Extensive third-party professional network

David J. Thomas
Personal Financial Planning
4415 Beacon Lane, Mississauga, ON, L5C 4K7, tel: (905) 484-6205
email: dthomas.hba1980@ivey.ca
licensed to sell investment products: no
payment options:
• hourly fee: $200/hr
• annual retainer
areas served: Toronto
minimum account size: none
planner credentials: CGA, CFP, R.F.P., TEP
areas of specialization:
• tax
• estate
• retirement
• comprehensive financial plans

Davis Martindale LLP
Paul Panabaker
373 Commissioners Road West, London, ON, N6J 1Y4, tel: (519) 673-3141
email: ppanabaker@davismartindale.com
web: www.davismartindale.com
licensed to sell investment products: no
payment options:
• hourly fee: $250 to $325/hr
areas served: London, ON and Western Ontario
minimum account size: none
planner credentials: CA, CFP, R.F.P.
areas of specialization:
• tax, estates, estate planning
• financial health checkup

Efficient Wealth Management Inc.
Gordon Stockman
47 Lakeshore Road East, Suite 100, Mississauga, ON, L5G 1C9
email: clientservices@efficientwealth.com
web: www.efficientwealth.com
licensed to sell investment products: no
payment options:
• hourly fee: $210/hr, first hour free
• by project: $850 per FP, tax, estate, investment
• by set: $3,400
• annual retainer
• referral network for plus 0.05% AUM for annual clients
areas served: 200 km radius from Mississauga
minimum account size: no minimum, cost-saving strategies from 0 to 2 million
planner credentials: CA, CFP
areas of specialization:
• investment cost control
• financial planning
• tax, estates
• IPS, asset allocation
• feedback loop – portfolio analysis and portfolio monitoring

E.E.S. Financial Services LTD.
6090 Highway #7 East, Markham, ON, L3P 3B1
email: ser@ees-financial.com
web: www.ees-financial.com
licensed to sell investment products: no
payment options:
• negotiable by case
areas served: Canada-wide
minimum account size: none
planner credentials: CFP, R.F.P., Pl.Fin, CA, CGA, PRP, FDS
areas of specialization:
• comprehensive financial planning
• personal and corporate tax planning and preparation
• estate settlement and administration
• personalized corporate seminars regarding special company benefits
• terminations & downsizings
• employee profit-sharing plans

Finance Matters LTD
Janet Freedman
69 Cavell Avenue, Toronto, ON, M4J 1H5, tel: (416) 469-2535
email: freedom@istar.ca
web: www.hitbyaniceberg.ca
licensed to sell investment products: no
payment options:
• hourly fee: $175 to $225/hr
areas served: Toronto, Nova Scotia, clients from other provinces (except Quebec) if you visit Toronto
minimum account size: none
planner credentials: CFP, R.F.P.
areas of specialization:
• comprehensive financial planning
• retirement planning
• cash flow management
• disability issues

Headspring Consulting
Sandra Foster
1370 Don Mills Road, Suite 300, Toronto, ON, M3B 3N7
email: fosters@headspringconsulting.com
web: www.headspringconsulting.com/index.html
licensed to sell investment products: no
payment options:
• hourly fee: contact for quote
areas served: Toronto
minimum account size: none
planner credentials: CFP, R.F.P., CHRP, TEP, CIM, FCSI
areas of specialization:
• retirement planning
• retirement income
• estate planning

Heather Franklin
43 Geraldton Cres. Toronto, ON tel: (416) 223-9826
msheatherfranklin@hotmail.com
Fee for service (fee only planner)
Hourly fee – consultation ($150/hr)
Complete financial plan
Credentials – CFP (B.A)
No specialized field of planning
No minimum account size

Joe The Investor Group
Joe Barbieri
80 Quebec Avenue, Suite 309, Toronto, ON, tel: (647) 286-8020
email:  joetheinvestor.today@gmail.com
web:  www.joetheinvestor.ca
twitter: @joetheinvestor
licensed to sell investment products: no
payment options:
• initial consultation: $350 including HST
• follow up: $150/hr including HST (discount pricing is available if paid in advance)
• complete financial plan: $2,800 including HST
areas served: Toronto and surrounding area
minimum account size: none
areas of specialization:
• debt management
• pensions
• investment
• research
• big picture economic trends
• advice-only holistic financial planning

Kevin O’Brien & Associates
Kevin O’Brien
134 Armour Cres., Ancaster, ON L9K 1R9
email: marketing@kevinobrienandassociates.com
web: www.kevinobrienandassociates.com/
licensed to sell investment products: Yes
Payment options: Fee based (monthly fee deducted from the assets we manage for client, our compensation is fully transparent ) or Fee for service – pay for advice
• hourly fee: $250
Annual reviews: Initial $1,500 for financial plan, $1,500 for Investment Policy Statement, $250 hourly for Estate planning (min $1,000) annual review included in fees or can be hourly rate (client choice)
Areas served: Hamilton and surrounding area, Office in Ancaster Ontario. Also licensed for the province of British Columbia
Minimum account size: $250,000
Planner credentials: CFP Certified Financial Planner, CDFA Certified Divorce Financial Analyst
Areas of specialization: 23 years – Financial Planning, Investment Management , Estate Planning – author of “Where There’s a Will There’s a Way” Small Business Owners and Entrepreneurs

Lifeware Retirement Planning
G.R. Marceau
54 Port Street West, Mississauga, ON, L5H 1E3, tel: (905) 267-1093
email: gilles@executiveretirementplan.ca
web: www.executiveretirementplan.ca/index.html
licensed to sell investment products: no
payment options:
• hourly fee: $175/hr
areas served: Mississauga, Oakville (both in Ontario)
minimum account size: none
planner credentials: CA, CFP, CLU, R.F.P., PRP
areas of specialization:
• retirement planning issues for self-employed business owners and professionals

Longhurst & Jack
36 Toronto Street, Suite 1000, Toronto, ON, M5C 2C5, tel: (416) 815-7200
email: enquire@longhurstandjack.ca
web: www.longhurstandjack.ca
licensed to sell investment products: no
payment options:
• hourly fee: $200/hr
• flat fee: a fixed fee can be negotiated in advance of a project being started
areas served: Toronto and Southern Ontario
minimum account size: none
planner credentials: CFP, FCIA
areas of specialization:
• preparation for retirement
• assistance with major pension decisions

MC Planning
Mike Carter
336 Davenport Rd., Suite 102, Toronto, ON, M5R 1K6, tel: (416) 935-0320
email: mike@mcplanning.ca
web: www.mcplanning.ca
licensed to sell investment products: no
payment options:
• hourly fee: $100/hr
• flat fee: for creating a financial plan (once the financial plan is established, all subsequent planning services are charged at $100/hr)
areas served: Toronto; rest of Canada via phone/Internet
minimum account size: none
planner credentials: CFP

MoneySmart Fee-only Financial Planners
43 Onaway Road, Mississauga, ON, L5G 1A3, tel: (905) 274-4888
email: mchowes@rogers.com
licensed to sell investment products: no
payment options:
• hourly fee: $150/hr
• retainer fee upfront
• project fee: estimate given
areas served: Toronto, Mississauga, Golden Horseshoe (all in Ontario)
minimum account size: none
planner credentials: CFP, R.F.P., PRP
areas of specialization:
• cash flow management
• retirement planning
• estate planning
• technical personal financial writing

My Financial Plan
Kenneth K. Seibel, MBA, CFP
413 Drewry Avenue, Toronto, ON M2R 2K3 tel: (416) 703-8446
email: help@myfinancialplan.biz
web site: www.myfinancialplan.biz
• rate: $200/hr
• financial plans: $1000 to $5000
• optimized portfolios: $100 to $2500
• annual retainer: varies by services required
• minimum account size: none
areas of expertise:
• investment planning
• advanced strategies
• tax efficiency

Northland Wealth Management
Jeff Sproul
175 Bloor Street East, Suite 807, South Tower, Toronto, ON, M4W 3R8, tel: (416) 360-3423
email: jsproul@northlandwealth.com
web: www.northlandwealth.com
licensed to sell investment products: no
licensed as portfolio manager: yes
payment options:
• hourly fee: $250/hr
• flat fee negotiated upon request
• applied towards annual fees for discretionary investment management clients
areas served: Ontario, licensed across Canada
minimum account size: $500,000
firm credentials: PFP, MBA, CFA, CIM
areas of specialization:
• business succession planning and individual pension plans (IPPs)
• holistic retirement planning
• termination or downsizing
• investment analysis and planning
• insurance (consultation only)
• estate planning and estate transfer

Objective Financial Partners Inc.
Jason Heath
1 St. Clair Avenue East, Suite 901, Toronto, ON, M4T 1Z3, tel: (416) 418-3934
email: info@objectivefinancialpartners.com
licensed to sell investment products: no
payment options:
• hourly fee: $250/hr
• financial plan ($500-$1,500);
• ongoing services, including tax returns: $1,500-$3,500 annually
areas served: mainly southern Ontario, but Canada-wide via web conference
minimum account size: none / not applicable
planner credentials: CFP, CGA, TEP, B.A.
areas of specialization:
• personal and corporate financial planning
• personal, corporate and trust tax planning and preparation
• estate planning
• insurance needs analysis
• investment strategies

Page and Associates LTD
95 Mural Street, Suite 405, Richmond Hill, ON, tel: (905) 884-5563
email: experience@askpage.com
web: www.askpage.com
licensed to sell investment products: yes
payment options:
• hourly fee: $100 to $250/hr
• percentage of assets under management:
• 1.25% of first $250,000
• 1% under $1 million
• 0.75% of next $4 million
• 0.50% of excess
areas served: Toronto and Southern Ontario
minimum account size: $100,000, preferably $250,000+
planner credentials: CFP, R.F.P., CA, MBA, CLU
areas of specialization:
• business continuation and owner succession planning
• overall tax and estate planning for both business owner and non-business-owner clients
• executive compensation planning

Prime Consulting
Mary R. Prime
102 Dunedin Drive, Etobicoke, ON, M8X 2K5, tel: (416) 410-9337
e-mail: mary.prime@sympatico.ca
licensed to sell investment products: no
payment options:
• hourly fee: $150 to $170/hr
• daily rate: $1,500 (half day: $750)
• fee per financial plan: $1,500 to $2,000
areas served: Greater Toronto Area (rest of Canada by phone and email)
minimum account size: none
planner credentials: CFP, EPC
areas of specialization:
• individuals in transition (job loss, retirement, career change, bereavement and separation/divorce)
• group workshops on topics such as “financial fitness”, “financial planning for the sandwich generation”, “financial planning for grads” and “pre-retirement financial planning”
• guest speaking at conferences

Quintile Wealth Advisors
65 Mark Street, Aurora, ON, L4G 3J4, tel: (416) 206-8230
email: hr@qwa.co
web: http://www.qwa.co/
licensed to sell investment products: no
payment options: negotiable by case
areas served: Greater Toronto Area
minimum account size: determined by case
planner credentials: B.Sc., FMA, CIM, CFP, FCSI
areas of specialization:
• investment Consulting
• insurance Solutions
• fiduciary Services
• advice only comprehensive Retirement Planning
• advice only comprehensive Estate Planning

Ryan Lamontagne Inc.
304 – 2249 Carling Ave., Ottawa, ON, K2B 7E9, tel: (613) 596-3353, toll free: (800) 304-7180
email: info@ryanlamontagne.com
web: www.ryanlamontagne.com
licensed to sell investment products: yes
payment options:
• hourly fee: $125 to $200/hr
• flat fee for a one-time comprehensive financial plan: $1,000 to $5,000
• ongoing private client service: flat annual fee ($750 to $2500) + percentage of assets:
• $500,000 and under: 1.5%
• $500,000 to $1 million: 1.00%
• $1 million or more: 0.75%
areas served: Ottawa
minimum account size: $100,000 for associates; $250,000 for partners
planner credentials: CFP, R.F.P., FMA
areas of specialization:
• management strategies for emerging affluent and high-net-worth individuals and families

SmartGreen Financial Planning
Adil Sayeed
Centre for Social Innovation, Annex, 720 Bathurst St., Toronto, ON, M5S 2R4, tel: (416) 873-2915
email: adil.sayeed@utoronto.ca
web: www.smartgreenfinancial.blogpost.com
licensed to sell investment products: no
payment options:
• hourly fee: $100/hr (including HST)
• annual fee: 0.5% of investment asset book value (if performance targets achieved)
• introductory consultation meeting: free
areas served: Greater Toronto and Hamilton area
minimum account size: none
planner credentials: CFP and MA (Economics)
areas of specialization:
• ethical investing choices
• education planning (RESPs)
• retirement planning

Stewart & Kett Financial Advisors Inc.
123 Front St. West, Suite 911, Toronto, ON, M5J 2M2, tel: (416) 362-6322
email: dstewart@stewartkett.com, ckett@stewartkett.com
web: www.stewartkett.com
licensed to sell investment products: no
payment options:
• hourly fee: $275/hr
• or fixed fee in advance
areas served: Toronto, Montreal, Calgary and Vancouver
minimum account size: none
planner credentials: MBA, CFP, R.F.P., CA, CGA, BBA, MA
areas of specialization:
• offer “advice-only” financial planning
• taxation
• retirement planning
• estate planning
• investment planning
• family office services

Stronach Financial Group
Daniel F. Stronach
15 Manorpark Court, Toronto, ON, tel: (416) 497-3590, toll free: (800) 377-4761
email: daniel@stronach-financial.com
web: www.stronach-financial.com
licensed to sell investment products: no
payment options: $150/hr
areas served: Ontario
minimum account size: none
planner credentials: BA, CFP, R.F.P.
areas of specialization:
• more than half of the clients are dentists

Summit Wealth Advisory Group Inc.
2 Sheppard Ave. East, Suite 600, Toronto, ON, M2N 5Y7, tel: (416) 250-5520
email: info@summitwealth.ca
web: www.summitwealth.ca
licensed to sell investment products: yes
payment Options: Visa, MasterCard, cheque or can be deducted from investments
hourly fee: $250/hr
set fee for plans: $1,500 and up depending on complexity and can be negotiated up front
areas served: Greater Toronto Area
minimum account size: none
planner credentials: CFA, CA, CFP, CLU
areas of specialization:
• business owners and executives
• succession planning
• retirement income planning
• estate planning
• pension decisions
• cash flow and net worth projections

T.E. Financial Consultants LTD
26 Wellington Street East, Suite 710, Toronto, ON, M5E 1S2, tel: 1-888-505-8608
email: info@tewealth.com
web: www.tewealth.com
licensed to sell investment products: no (although T.E. Investment Counsel, an affiliated company, is licensed to sell investment products)
payment options:
• hourly fee: $250 to $400/hr
• retainer
• percentage of assets:
• $500,000 and under: 1.75%
• $500,000 to $2 million: + 0.75%
• $2 million to $5 million: + 0.50%
• next $5 million: + 0.25%
areas served: Montreal, Toronto, Calgary, Oakville (ON), Quebec City, St. John’s, Vancouver, Waterloo (ON)
minimum account size: none for financial planning; $250,000 minimum for investment clients
planner credentials: CA, CSA, CFA, CFP, R.F.P., CIM, CGA, MBA, TEP, FDS
areas of specialization:
• investment counselling
• executive financial planning
• employer-sponsored financial education
• high-net-worth financial advisory and wealth management

Joseph Tarantino
Suite 203 – 15 Wertheim Court, Richmond Hill, Ontario. L4B 3H7, tel: (905)-771-8956
email: jtarantino@jtarantinoassociates.com
licensed to sell investment products: no
payment options:
• hourly fee: $150/hr
• comprehensive plan: $1,800.00
• annual reviews: $600.00
areas served: Greater Toronto Area
minimum account size: none
planner credentials: B.A. Economics and Accounting;  CFA (Chartered Financial Analyst)
areas of specialization:
• short, medium and long term financial planning
• personal cash flow and budget planning
• planning for retirement
• planning during retirement
• tax planning
• tax preparation
house calls: Available some evenings and week-ends

Thomas J Venner (CFP) Financial Services

2 King St W, Suite 2 Dundas ON L9H6Z1, tel: (905) 512-2311
email: thomasvennercfp@gmail.com, tvenner@gicfinancial.com
web: www.feebasedfinancialplanning.info, www.centum.ca/tom_venner
licensed to sell investment products: yes
payment options:
•hourly fee: $50-100/hr for complete financial plans
•fixed fee for modular services
areas served: Hamilton, Ancaster, Dundas, Stoney Creek, Burlington, Grimsby, Caledonia
planner credentials: CFP, Life Licensed, Licensed Mortgage Consultant
areas of specialization:
•advice-only financial planning
•tax planning and preparation
•retirement planning (Experience with Dofasco Fund 1 & 2 and Profit Sharing)
•mortgage planning
•investment planning
•life/health/disability/critical illness/long-term care insurance needs analysis

W. A. Robinson & Associates
The Simonett Building, 14216 Rd # 38, Sharbot Lake, ON, K0H 2P0, tel: (613) 279-2116 / (877) 279-2116
email: info@robinsongroup.com
web: www.robinsonsgroup.com
licensed to sell investment products: Licensed in Ontario as
Investment Counselor, Portfolio Managers and Limited Market Dealers, and in Quebec as Unrestricted Advisors
payment options:
• hourly fee (rare): call for details
• flat fee per project: call for details
• percentage of assets under management:
• 1.5% on first $500,000
• 1.25% on next $500,000
• 1% on next $4 million and after
• mortgage based portfolios: 2% of assets under management
areas served: Ontario and Quebec
minimum account size: $500,000 ($25,000 if investing in a pooled mortgage investment corporation)
planner credentials: B.Sc., CFA, CFP, R.F.P., CIM, CRF
areas of specialization:
• investment counsel
• portfolio management
• mortgage administration
• small firm mergers and acquisitions
• estate and tax planning

Weigh House Investor Services
4141 Yonge Street, Suite 303, Toronto, ON, M2P 2A8, toll free: (866) 918-0550
web: www.weighhouse.com/main/home.aspx
licensed to sell investment products: no
payment options:
• hourly fee: $200 to $250/hr
areas served: Canada-wide on a remote (web conference) basis; personal service in Toronto, Burlington/Hamilton Area, York/Durham Region, and in B.C.
minimum account size: $300,000
planner credentials: CA, CFP, CIMA
areas of specialization:
• financial planning
• portfolio analysis and portfolio monitoring
• investment counselor/investment advisor search

Williams Financial Strategies
Norman Williams
3109 Abernathy Way, Oakville, ON, L6M 5C2, tel: (905) 630-7658
e-mail: normanwilliamz@yahoo.com
licensed to sell investment products: no
payment options:
• hourly fee: $65/hr
areas served: Oakville, Burlington, Mississauga (all in Ontario)
minimum account size: none
planner credentials: CFA, CA, CFP, R.F.P.; CFP, CIM, CMA (U.S.)